Real Estate Loan Pre-Application Checklist

 

View and download the Pre-Application Checklist.

Thank you for your interest in financing with The County Federal Credit Union.

The following checklist details what information we request when you apply for a mortgage loan.

Please complete and sign your loan application and return it to us along with the applicable items from the list below.

This list may not be all-inclusive and additional documents may be required based on the specific circumstances of your request.

ITEMS NEEDED FOR ALL APPLICATION TYPES:

• Complete signed real estate loan application
• Copy of pay stubs for last 30 days for all borrowers
• Copy of federal income tax returns including all schedules, W-2’s and other supporting documents for last 2 years
• Copy of banks statements and/or quarterly investment statements for the most recent 3 months
• Copy of additional income verification documents (i.e. child support or alimony)

MISCELLANEOUS ITEMS (IF APPLICABLE):

• Copy of pension and Social Security award letter
• Copy of divorce decree o Copy of bankruptcy documents – all pages including fling and discharge
• Verification of any rental or investment income
• Letter of explanation for any credit issues in the credit report
• Landlord contact information including name, address and telephone number

ITEMS RELATED TO PURCHASE TRANSACTIONS:

• Address of the property you are purchasing
• Copy of purchase agreement; addendum and disclosures signed by seller(s) and buyer(s)

ITEMS RELATED TO REFINANCING TRANSACTIONS:

• Copy of deed to the property
• Copy of property tax bill
• Copy of current homeowner’s insurance policy bill
• Copy of current mortgage payoff statement

ITEMS NEEDED FROM SELF EMPLOYED BORROWER(S):

• Copy of federal income tax returns (business and personal) including all schedules, W-2’s and other supporting documents for last 2 years
• Personal Financial Statement

We look forward to assisting you with your financing needs.